Pet Insurance Comparison

How Much Does a Veterinary Pet Insurance Quote Generally Cost?

When you are dealing with a veterinary pet insurance quote you should first know that it is worth every penny if you really love your pets. If you don’t already know, vet bills -- while obviously not as costly as human doctor bills -- can be very expensive. Emergency care, vaccination, checkups -- all these costs can pile up very quickly and really impact your wallet.

A veterinary pet insurance quote from companies like Embrace, ASPCA and VPI will be fairly affordable, all things being considered. If you only want illness or accident coverage, for example, you’re only looking at $10-$20 per month, which will cover usually about $2500 per claim. Pet insurance works a little different that your health insurance, but it is actually easier to deal with because you can usually find a claim form online to get reimbursed for your costs.

Types of Policies

Illness and accident veterinary pet insurance quotes also cover any diagnostic testing your pet may need such as an initial checkup, X-rays, and blood work for dogs and cats. When your pet’s problem gets diagnosed, your vet will prescribe medication of some sort of treatment, which will usually be covered as well. If you need a followup vet visit, such a policy will also cover this as well.

If you want more comprehensive care that includes surgery for example, the next level of pet insurance is a policy that covers long term care and an overall wellness plan. Some may not consider these plans worth the cost if you are on a tight budget, as they cost US$30-$100 per month, which applies to pet insurance in Canada and elsewhere in their respective currencies. On the other hand, they cover everything from annual checkups and nail trimmings to dental care, grooming, and neuter and spay costs.

One thing you should definitely do is investigate your veterinary pet insurance plans when it comes to your deductibles (the costs you have to pay out-of-pocket versus what the insurance will cover). You will usually find that a $50-$100 deductible is very common.

Make sure you also look into what kind of co-pay you will have to deal with when it comes to your veterinarian pet insurance quote. Quite often, your plan will cover everything for a particular service; on the other hand, others will make you pay a 10-20% co-pay.

These are the kind of things you simply have to consider if you are on a budget. Do the math -- if the pet health insurance plan is going to cost you more than what you forecast a typical year of vet visits (including the occasional unforeseen cost) will cost you, it may not be worth it.